BlastPoint's Banking Scorecard
Hodge Bank & Trust Company
Hodge, LA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
- Deposits +27.4% year over year ($108.3M on the books).
- Delinquency rate 1.87%.
- Return on assets 2.55%.
- Efficiency ratio 41.59% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.96% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Hodge Bank & Trust Company has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 46.0% in tier
- + Net Interest Margin 0.93% above tier average
- + Efficiency Ratio 22.89% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.96% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$127.6M
+24.2% YoY
+6.4% QoQ
|
-$259.0M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.7% in tier |
| Total Loans ? |
$85.5M
+21.2% YoY
+3.7% QoQ
|
-$172.9M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.6% in tier |
| Total Deposits ? |
$108.3M
+27.4% YoY
+6.9% QoQ
|
-$218.5M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.0% in tier |
| Return on Assets ? |
2.55%
-0.4% YoY
+14.6% QoQ
|
+1.23% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
Top 4.3% in tier |
| Net Interest Margin ? |
4.91%
+2.8% YoY
-2.0% QoQ
|
+0.93% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
Top 9.4% in tier |
| Efficiency Ratio ? |
41.59%
-7.2% YoY
+1.2% QoQ
|
-22.89% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
Top 5.4% in tier |
| Delinquency Rate ? |
1.87%
-27.9% YoY
-16.1% QoQ
|
+0.96% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 14.1% in tier |
| Loan-to-Deposit Ratio ? |
78.96%
-4.9% YoY
-3.0% QoQ
|
+1.01% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
15.83%
-10.2% YoY
-4.6% QoQ
|
-6.20% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
27% |
| Nonperforming Asset Ratio ? |
1.31%
-26.7% YoY
-17.8% QoQ
|
+0.64% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.8% in tier |
| Tier 1 Capital Ratio ? |
15.16%
-10.8% YoY
-1.4% QoQ
|
-0.75% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.14%
-15.8% YoY
+67.4% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
31% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.8%
-1.8pp YoY -0.8pp QoQ |
-6.3pp | 22.1% | 24.6% | 22.2% | 27% |
| Brokered Deposits |
7.8%
+7.5pp YoY -0.8pp QoQ |
0.0pp | 7.9% | 6.7% | 8.5% | 68% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
27.4%
+3.3pp YoY +1.3pp QoQ |
+15.8pp | 11.6% | 12.6% | 12.5% | 95% |
| CRE | n/a | n/a | 39.5% | 44.9% | 41.4% | n/a |
| 1-4 Family |
34.5%
-3.3pp YoY 0.0pp QoQ |
+1.9pp | 32.6% | 34.2% | 31.3% | 60% |
| Consumer |
11.2%
-3.3pp YoY -0.7pp QoQ |
+7.1pp | 4.1% | 4.2% | 5.0% | 94% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.5% | 19.7% | n/a |
| Leverage Ratio |
15.2%
-1.8pp YoY -0.2pp QoQ |
+3.0pp | 12.2% | 13.4% | 12.6% | 87% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
0 YoY -1 (-6.7%) QoQ |
-45 | 58 | 114 | 482 | 3% |
| Assets per Employee ($) |
$9.1M
+24.2% YoY +14.0% QoQ |
+$1.6M | $7.5M | $6.8M | $8.8M | 80% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.9%
-0.7pp YoY -0.4pp QoQ |
+0.9pp | 0.9% | 1.4% | 1.0% | 86% |
| Allowance Coverage |
0.82x
+14.1% YoY -9.6% QoQ |
-23.33x | 24.15x | 27.36x | 20.23x | 21% |
| Net Charge-off Rate (YTD) |
1.0%
+0.5pp YoY +0.7pp QoQ |
+0.8pp | 0.1% | 0.1% | 0.2% | 97% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.1%
+1.7pp YoY +2.3pp QoQ |
+4.9pp | 12.2% | 12.5% | 11.6% | 78% |
| Cost of Funds (YTD) |
1.9%
0.0pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.7% | 1.7% | 67% |
| Net Income ($, YTD) |
$1.5M
+19.8% YoY — QoQ |
-$1.0M | $2.6M | $5.1M | $40.4M | 42% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.